












Request received - loud & clear!
Returning you to where you were...
Would you like to know the top 10 credit cards offered by HDFC? Are you struggling to choose one from a wide variety of HDFC cards? We’re here to make it easy for you. Find the best HDFC credit card by comparing it with the rest.
Listed below are the top 10 credit cards offered by HDFC.
HDFC Credit Card Variant | Annual Fee | Category |
---|---|---|
HDFC Bank Regalia First Card | Rs.1,000 | Premium lifestyle |
HDFC Bank Diners Club Black Card | Rs.10,000 | Premium lifestyle |
HDFC Bank Regalia Card | Rs.2,500 | Premium lifestyle |
HDFC Freedom Credit Card | Rs.500 | Rewards |
HDFC Bank Money Back Credit Card | Rs.500 | Cashback |
HDFC Bank Diners ClubMiles Card | Rs.1,000 | Premium lifestyle |
HDFC Bank Platinum Times Card | Rs.1,000 | Regular lifestyle |
InterMiles HDFC Bank Diners Club | Rs.5,000 | Premium travel |
HDFC Millenia Credit Card | Rs.1,000 | Cashback |
Swiggy HDFC Bank Credit Card | Rs.500 | Cashback |
Tata Neu Plus HDFC Bank Credit Card | Rs.499 | Reward Points |
Shoppers Stop HDFC Bank Credit Card | Lifetime Free | First Citizen Card |
HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category.
HDFC credit cards come with the following features and benefits:
Key Highlights: A premium HDFC Bank Regalia First Card that provides exclusive travel and lifestyle benefits.
Joining Fee: Rs.1,000
Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 1,000 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for free air tickets.
Suitable for: People who frequently visit international locations.
Key Highlights: Offered in partnership with Diners Club International, the HDFC Bank Diners Club Black Card provides world-class privileges in travel, lifestyle, golf, rewards, etc.
Joining fee: Rs.10,000
Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.
Joining Bonus: 10,000 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.
Suitable for: People who frequently visit international locations.
Key Highlights: Designed for elite class, the HDFC Regalia Credit Card offers best of the benefits across various lifestyle categories.
Joining Fee: Rs.2,500
Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 2,500 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on offers.smartbuy.hdfcbank.com/regalia. Also convertible to Air Miles.
Suitable for: People who spend massively on their credit cards and travel frequently.
Key Highlights: One of the best reward credit cards, the HDFC Freedom Credit Card also offers spend based rewards and free accidental death insurance.
Joining fee: Rs.500
Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.
Joining bonus: 500 reward points upon paying the joining fee.
Features & benefits:
Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.
Suitable for: People who use credit card for all daily expenses.
Key Highlights: Redeem reward points for cash back against your HDFC Bank Moneyback Credit Card outstanding.
Joining fee: Rs.500
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: 500 reward points once the joining fee is paid.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People who would like to cut their credit card annual maintenance.
Key Highlights: A low-cost, high-value HDFC Bank Titanium Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.500.
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People looking for a less maintenance credit card with benefits across categories.
Key Highlights: The HDFC Bank Diners ClubMiles Credit Card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.
Joining fee: Rs.1,000
Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).
Joining bonus: 1,000 reward points once the joining fee is paid.
Features and benefits:
Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.
Suitable for: Globetrotters who use their credit card for most of their travel needs.
Key Highlights: A low-cost, high-value HDFC Bank Platinum Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.1,000.
Renewal fee: Rs.1,000 (from 2nd year onwards).
Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.
Suitable for: People who are movie freaks and dine-out quite frequently.
Key Highlights: A co-sponsored InterMiles HDFC Bank Diners Club Credit Card that provides exclusive benefits on Jet Airways flight bookings.
Joining fee: Rs.5,000
Renewal fee: Rs.5,000 (2nd year onwards). Spend Rs.8 lakh to avail renewal fee waiver in the next year.
Joining bonus:
Features and benefits:
Suitable for: People who prefer Etihad Airways to other air carriers for all their local and international travels.
Benefits & Features HDFC Diners Club Black Credit Card
Benefits & Features of HDFC Infinia Credit Cards:
Features and Benefits of HDFC Solitaire Credit Cards:
Features and Benefits of HDFC AllMiles Credit Card :
Features and Benefits of HDFC Platinum Edge credit card
Features and Benefits of HDFC Titanium Edge credit card
HDFC Credit Card Variant | Income Criteria | |
---|---|---|
Salaried | Self-employee | |
HDFC Regalia Credit Card | Gross income > Rs.1 lakh per month | ITR > Rs.12 lakh per annum |
HDFC Diners Club Black | Net income > Rs.1.75 lakh per month | ITR > Rs.21 lakh per annum |
HDFC Regalia First | Gross income > Rs.40,000 per month | ITR > Rs.5 lakh per annum |
HDFC Platinum Times Card | ITR> Rs.4.2 lakh per annum | ITR> Rs.6 lakh per annum |
Diners ClubMiles Credit Card | Net income > Rs.30,000 per month | ITR > Rs.3.6 lakh per annum |
Diners Club Premium | Net income > Rs.60,000 per month | ITR > Rs.7.2 lakh per annum |
Diners Club Rewardz | Net income > Rs.30,000 per month | ITR > Rs.3.6 lakh per annum |
Bharat CashBack Card | Gross income > Rs.12,000 per month | ITR > Rs.2 lakh per annum |
Freedom Card | Gross income > Rs.12,000 per month | ITR > Rs.2 lakh per annum |
MoneyBack Credit Card | Gross income > Rs.25,000 per month | ITR> Rs.6 lakh per annum |
Millenia Credit Card | Gross income > Rs.35,000 per month | ITR> Rs.6 lakh per annum |
Regalia Credit Card | Gross income > Rs.1 lakh per month | ITR> Rs.12 lakh per annum |
IRCTC HDFC Bank Credit Card | Gross income > Rs.25,000 per month | ITR> Rs.6 lakh per annum |
Tata Neu Plus HDFC Bank Credit Card | Gross income > Rs.25,000 per month | ITR> Rs.6 lakh per annum |
Tata Neu Infinity HDFC Bank Credit Card | Gross income > Rs.1 lakh per month | ITR> Rs.12 lakh per annum |
Shoppers Stop HDFC Bank Credit Card | Gross income > Rs.20,000 per month | ITR> Rs.6 lakh per annum |
Shoppers Stop Black HDFC Bank Credit Card | Gross income > Rs.2 lakh per month | ITR> Rs.8 lakh per annum |
Age Criteria: Salaried – 21 to 60 years & For self-employed – 21 to 65 years
You can check eligibility for each HDFC credit card online using the HDFC Bank official website.
Proof of Identity |
Any one of the documents
|
Address proof |
Any one of the documents
|
Income proof (For salaried) |
|
Income proof (For self-employed) |
|
HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.
The steps to apply for an HDFC credit card online are as follows:
Step 1: Visit the official website of HDFC.
Step 2: Navigate to the ‘Credit Cards’ section and select a credit card based on your preference.
Step 3: Check the eligibility criteria and documents required for the credit card.
Step 4: Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.
Step 5: You will receive your credit card on your communication address once the bank approves your application.
Step 6: When it is delivered, you will have to sign for it and provide proof of identity.
Step 7: You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.
Step 8: This PIN is required to authenticate any credit card transactions.
Step 9: Visit the nearest HDFC ATM to change the PIN.
Listed below are the reward points offered on top 10 HDFC credit cards.
HDFC Credit Card Variant | Regular rewards points | Accelerated reward points |
---|---|---|
HDFC Bank Regalia First Card | 1000 reward points as welcome benefits | NA |
HDFC Bank Diners Club Black Card | 8 reward points for every Rs.150 spent | NA |
HDFC Bank Regalia Card | 4 reward points on every Rs.150 spent | NA |
HDFC Freedom Credit Card | 1 reward point on Rs.150 spent | 5X reward points on lifestyle spends; 10X RP for PayZapp and SmartBUY spends; 25X RP on birthday spends |
HDFC Bank Moneyback Credit Card | 2 reward points for every Rs.150 | 100% more RP on online spends. |
HDFC Bank Titanium Times Card | 2 reward points for every Rs.150 spent | 5 RP on dining spends during weekdays |
HDFC Bank Diners Club Miles Card | 4 reward points on every Rs.150 spent | 10X RP on international spends |
HDFC Bank Platinum Times Card | 3 reward points for every Rs.150 spent | 10 RP on dining spends during weekdays |
InterMiles HDFC Bank Diners Club | 16 InterMiles for every Rs.150 spent | 3X InterMiles on every Etihad Airways flight booking |
HDFC Credit Card Variant | Annual Fee | Category |
---|---|---|
InterMiles HDFC Bank Signature | Rs.2,500 | Travel |
InterMiles HDFC Bank Platinum | Rs.1,000 | Travel |
InterMiles HDFC Bank Select or Titanium | Rs.1,000 | Travel |
HDFC Diners Club Black | Rs.5,000 | Travel |
HDFC Infinia Credit Card | Rs.12,500 | Premium lifestyle |
HDFC Solitaire | Rs.500 | Shopping |
HDFC AllMiles Credit Card | If you spend Rs.15,000 within 90 days of issuance, then your membership is free | Travel |
HDFC Doctors Superia | Rs.1,000 | Doctors with travel benefits |
HDFC Teachers Platinum | Rs.500 | Teachers with shopping benefits |
HDFC Platinum Edge | Rs.1,000 | Cashback |
HDFC Titanium Edge | Rs.1,000 | Dining |
Credit Card | Category |
---|---|
Super Premium Credit Cards |
Infinia Regalia Diners Club Black |
Premium Women's Credit Cards |
Solitaire |
Co-Brand Credit Cards |
Platinum Times Card Titanium Times Card |
Premium Credit Cards |
Visa Signature World MasterCard Diners Club Premium Diners Club Rewardz |
Professional Credit Cards |
Doctor's Superia Teacher's Platinum |
Premium Travel Credit Cards |
Superia AllMiles |
Commercial Credit Cards |
Business Regalia Business Platinum Business Gold Corporate Platinum Corporate Visa Signature Corporate World MasterCard Corporate Card Purchase Card Distributor Card |
Customers can use any of the following modes of payments:
As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.
The procedure that must be followed to activate online transactions via WhatsApp is given below:
Yes, you can apply for an HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.
You can send a signed letter and request for increasing your credit card limit. You will have to also submit your income proofs. If you are a salaried person, then, you will have to also attach a self-attested copy of a recent salary slip.
Applicant's address details, PAN card, Scanned copy of your ID proof and address proof
You will need to have a minimum salary of Rs.12,000 per month if you are a salaried person. If you are self-employed, you will need to have Rs.2 lakh per annum as your salary. You will also have to maintain a good credit score.
Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.
Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.
Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.
Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.
Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be obtained from a customer’s credit card statement.
Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.
India’s first co-branded hotel credit card launched by HDFC Bank in partnership with Marriott Bonvoy, the Marriott Bonvoy HDFC Bank Credit Card operates on the Diners Club platform and is packed with travel benefits. Cardholders will be privileged under various benefits entitled to Silver Elite Status with Marriott Bonvoy, such as bonus points, priority late checkouts, exclusive member rates, and other perks.
On eligible travel, dining, and entertainment transactions, four Marriott Bonvoy points will be earned per Rs.150 for up to Rs.5 lakh per month. Per Rs 150 for spending at participating Marriott Bonvoy, eight Marriott Bonvoy points will be earned, and two Marriott Bonvoy Points for all other eligible purchases apart from rentals, fuel, and wallet reload. The card also offers complimentary personal air accident insurance coverage and complimentary access to domestic lounges every year.
The card offers a free night award valued at up to 15,000 points as a welcome benefit for new cards or card renewals. The value of this award can be enhanced by utilising up to 15,000 Marriott Bonvoy Points. The card offers Silver Elite Status along with ten elite night credits annually. For every Rs 150 spent on Marriott Bonvoy hotels (excluding Homes and Villas), cardholders will earn eight Marriott Bonvoy points for monthly expenditures of up to Rs.10 Lakh.
25 August 2023
Swiggy and HDFC Bank have joined forces to introduce a co-branded credit card, powered by Mastercard's payment network. The card's rollout will occur gradually within the next 7-10 days, and eligible customers can apply for it during this period. The new Swiggy co-branded credit card has attractive benefits, such as 10% cashback on food delivery, grocery delivery, and dining out. The cashback rewards will be provided through Swiggy Money. Swiggy aims to attract more customers and stay ahead of its competitor, Zomato. They are responding to customers' demands for rewards and benefits on their spending. This move is part of Swiggy's strategy to strengthen its position in the food delivery industry, where it competes with Zomato and other emerging players like ONDC. Swiggy is also expanding its presence in the food and grocery retail market, as evident from its recent acquisition of LYNK Logistics. Additionally, the company announced a $50 million ESOP liquidity program.
27 July 2023
HDFC Bank has launched the Regalia Gold Credit Card for people with high incomes. This credit card caters to a wide range of prospective customers, including travellers and lifestyle enthusiasts. It offers rewards on international flights, accumulated air miles, stays at hotels, and some of the premium brands accessible via the Regalia Gold catalogue. Cardholders who meet the annual spending thresholds will be entitled to a maximum of two free flight ticket vouchers per year. The Regalia Gold Credit Card also provides five times the reward when purchasing from e-commerce websites such as Reliance Digital, Myntra, Nykaa, and others.
24 March 2023
Co-branded credit cards launched on 15 March 2023 for Flipkart Wholesale members for online spending. These cards are launched by HDFC Bank and Flipkart Wholesale, the omnichannel B2B platform of the Flipkart Group, that will offer 5.00% cashback to the users. The applicants can apply for these cards from the Best Price Flipkart Wholesale app and the booths set up at the HDFC bank inside the Flipkart Wholesale stores. This initiative will enhance digital payments and will support small merchants and Kirana by optimising transactions.
16 March 2023
IRCTC, a company that provides culinary services for Indian Railways, has teamed up with HDFC Bank to launch a co-branded credit card known as the IRCTC HDFC Credit Card. The card will be offered on the Rupay Network of the NPCI in a single format.
Together, IRCTC and HDFC Bank will be able to give clients a better experience. This will be achievable because IRCTC is the biggest gateway for offering various services relating to train travel, and HDFC Bank is the market leader in the issue of cards.
Consumers can use this credit card to maximise savings and take advantage of a number of other advantages when purchasing train tickets through the IRCTC Rail Connect App or the IRCTC website.
Also, holders of the IRCTC HDFC Credit Card will receive a tempting welcome bonus, access to a number of executive lounges at Indian train stations, and booking savings.
2 March 2023
A press statement issued by HDFC Bank and the National Payments Corporation of India (NPCI) on 16 February 2023, stated that HDFC RuPay credit card holders will be able to link their cards with UPI. Due to extending UPI to credit cards, consumers and merchants now have more payment options. Consumers can now make UPI payments using a credit line rather than just the funds in their bank accounts. Merchants will be able to accept credit card payments without needing to install and pay for costly machines.
20 February 2023
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
Gain an edge by connecting with us via email. We promise never to spam you.
Request received - loud & clear!
Returning you to where you were...
Psst... We'll ensure you're the very first to know the moment rates change.
We'll email you immediately! You snooze, you lose.